Terms and Conditions

Rates and Fees

Annual Percentage Rate (APR) for Purchases

17.24% variable or 26.24% variable, depending on our review of your application and credit history.

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

17.24% variable or 26.24% variable, depending on our review of your application and credit history. 

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

26.49%

This APR will vary with the market based on the Prime Rate.

Variable Rate Information

Your APR may vary. The rate is determined monthly by adding the Prime Rate and:

  • 12.74% or 21.74% for Purchases and this rate will not be lower than 12.74% or 21.74% respectively.
  • 12.74% or 21.74% for Balance Transfers and this rate will not be lower than 12.74% or 21.74% respectively. 
  • 21.99% for Cash Advances and Convenience Checks and this rate will not be lower than 21.99%. 

See explanation below.**

Grace Period

At least 20 days Grace Period for Purchases from the Statement Closing Date on your periodic statement (provided you pay your previous balance in full by the due date). The Grace Period does not apply to Cash Advances, Balance Transfers or Convenience Checks.

Minimum Finance Charge

$1.00

Method of Computing the Balance for Purchases

Average Daily Balance (including new purchases)

 

Fees

Annual Fee

$89

Transaction Fees:

 

  • Balance Transfer

Either $5 or 3% of the amount of each transfer, whichever is greater.

  • Cash Advance

Either $10 or 3% of the amount of each cash advance, whichever is greater.

  • Convenience Check

Either $5 or 3% of the amount of each Check, whichever is greater.

  • Foreign Transaction

0% of the U.S. Dollar amount.

Penalty Fees:

 

  • Late Payment

For Account balances less than $250: $19.   For Account balances equal to or greater than $250: $39.

  • Returned Payment

 $39

  • Returned Convenience Check

 $39

  • Over-the-Credit-Line

 $0

  • Stop Convenience Check Payment

 $39

  • Electronic Payment

 $15

  • Administrative

$3 for Statement Copy
$5 for other documents
Research - $15 per hour

**The Prime Rate used in determining the APRs used on your Account each billing cycle is the highest rate published in the Money Rates column of The Wall Street Journal on the last business day of each month. The variable APRs, which are subject to a minimum APR, are current as of 12/29/2017 using a Prime Rate of 4.5%.

Barclays Bank Delaware ("Barclaycard") reserves the right to change the APR and other Charges as described above after your Account is opened, and in accordance with the Business Card Agreement and Delaware law. Barclaycard reserves the right to change at any time the benefits and features associated with your card or Account after your Account is opened.  We will allocate payments to lower APR balances before higher APR balances.

Authorization: When you (the "Signing Individual") submit this Application for this business credit card account (the "Account") from Barclays Bank Delaware, located in Wilmington, Delaware, you agree to the following: (1) that you are either a sole proprietor or an authorized representative, officer, partner, employee or agent of the business identified on the Application (the "Business"); (2) that you are at least 18 years of age and a permanent resident of the United States, and have truthfully and completely provided the information on this Application; (3) you have reviewed and accept the terms and conditions provided on this Application; (4) the use of any Account opened or any card issued in connection with this offer will constitute your acceptance of and will be subject to the terms and conditions of the Business Card Agreement that will be sent to you with your card(s);(5) the cards and the Account will be used solely for business purposes and will not be used for personal, family or household purposes; (6) you and the Business are jointly and severally liable for all charges on the Account (which means that you are personally liable for all amounts due on the Account);  (7) you certify that you have the authority to permit us to issue cards containing the Business name; and (8) you understand that the terms of the Account are subject to change as provided in the Business Card Agreement.

About Your Credit Report: You agree that Barclaycard has the right to obtain a current consumer and business credit report in connection with our review of your Application and, subsequently, in connection with a requested charge to your Account, the renewal of your Account, or a change in your credit line; and that we have the right to report to others our credit experience with you. Upon your request, we will tell you the name and address of each credit reporting agency from which we obtained a credit report about you or your business

Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means to you: When you apply for an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see copies of identifying documents.

Omission: Omission of any information requested on this Application may result in a denial of credit.

Your Telephone Number: By providing your telephone number, at the time you apply or anytime thereafter, you authorize Barclaycard and its affiliates, agents and independent contractors to contact you regarding your Account at such number using any means of communication, including, but not limited to calls placed to your cell, mobile or other phone using an automated dialing service, prerecorded messages or text messages. Standard text messaging and/or calling charges may apply.

Offer Availability: This offer is available only to applicants who are permanent residents of the United States, with the exception of Puerto Rico. This offer may not be available to you if you already have a credit card account with Barclaycard.

Credit Performance: After your Account is opened, we will periodically review your credit performance. If you do not maintain your credit performance with us, we may change your Account terms.

Dispute Resolution: You agree that any dispute between us will be resolved by binding Arbitration.

Transferring Your Balances. Here's How it Works: Upon approval of your Application we will provide you with your Business Card Agreement and, to the extent permitted by your credit line, process the Balance Transfer to the credit card account which you have requested (minimum $100, maximum $20,000). Only balances from other business credit card accounts or other business related expenses may be transferred. We reserve the right to round up your requested Balance Transfer amount to the nearest whole dollar amount. The credit available on your Account will be reduced by the amount of the Balance Transfer and any related fees. Your other credit card account(s) will not be closed, even if you have paid your entire balance. You must contact the other credit card company to close your other account. We reserve the right to decline to process any Balance Transfer request. We will not process a request to transfer a balance from any other account you may have with us or our affiliates. It is possible that your credit line amount may be lower than the Balance Transfer(s) requested. If this should occur, we will process Balance Transfers up to $250 below the available credit. There is a fee for Balance Transfer unless the offer states otherwise. A Balance Transfer may take up to 4 weeks to post to your other credit card accounts. Continue to pay each creditor until the Balance Transfer appears on the other account(s) as a credit.  You should not transfer the amount of any disputed purchase or other charge on the other account.  If you do so, you may lose your dispute rights as to that transaction.

Information Sharing:

Barclays' Privacy Policy is available online at www.HawaiianBusinessCard.com. I agree that Barclays Bank Delaware, Hawaiian Airlines and Bank of Hawaii may share information about me and my Account to the extent needed to administer the Hawaiian Airlines® Business MasterCard® in conjunction with the Hawaiian Airlines® MasterCard® Rewards Program.


HAWAIIAN AIRLINES® BUSINESS MASTERCARD® REWARDS PROGRAM RULES

This document contains the official Rewards Program Rules (“Program Rules”) for the Hawaiian Airlines MasterCard Program (the “Program”) and includes important conditions and limitations. Use of your Hawaiian Airlines MasterCard Account constitutes your acceptance of each of the terms described below. Please read these Program Rules and keep this document in a safe place. Capitalized terms not defined in these Program Rules have the meaning ascribed to them in the Business Card Agreement.

Program Administration 

The Program is administered by Barclays Bank Delaware (Barclaycard) located in Wilmington, DE (“we”, “us” or “our”). Barclaycard is solely responsible for all credit and eligibility standards and determination of account issuance. HawaiianMiles® is a frequent flyer program offered by Hawaiian Airlines and is not a product or program of Barclaycard. Hawaiian Airlines is solely responsible for establishing the terms and conditions of your participation and mileage accumulation in the Program and may change the Program Rules at any time with or without prior notice. To qualify for participation in the Program and to maintain an account in good standing:

• You must maintain an open and active Credit Card Account that is not in default under your Business Card Agreement with us.

• You must pay your annual fee.

• Your Credit Card Account cannot have been inactive for 6 billing cycles in a row (representing approximately 6 months). “Inactive” means you have no balance, no payments and no transactions.

Earning HawaiianMiles

35,000 bonus Miles will be awarded in the first billing cycle in which you have made a purchase within ninety (90) days of Account opening (that is not later returned or rescinded).  Bonus miles will be awarded at the close of the Cardmember’s billing statement after the qualifying purchase(s) have posted.

You earn HawaiianMiles on retail Purchases with the Hawaiian Airlines MasterCard (the “Card”), less credits, returns and adjustments (“Net Purchases”) made by you and/or any employees who transact with the Card. All HawaiianMiles will be applied to the Primary Cardmember’s HawaiianMiles account.

Cardmembers will receive one (1) HawaiianMile for every one U.S. dollar ($1.00) of Net Purchases made on the Account rounded to the nearest dollar and two (2) HawaiianMiles for every one U.S. dollar ($1.00) of Net Purchases directly from Hawaiian Airlines. HA Vacation Packages and Duty Free purchases made in-flight on Hawaiian Airlines are not considered direct purchases from Hawaiian Airlines and therefore do not qualify for the two HawaiianMiles for every one U.S. dollar ($1.00) of Net Purchases.

From time to time,  Barclaycard (“We”) may offer bonuses or HawaiianMiles or other premiums (for example, First Use HawaiianMiles, First Use Certificates) to new Hawaiian Airlines MasterCard Cardmembers. Unless otherwise stated in the offer, these bonuses and /or Rewards are intended for persons who are not and have not previously been Hawaiian Airlines MasterCard Cardmembers. You understand and agree that, unless we otherwise state, you are no longer eligible to receive these bonuses and/or Rewards for any new Hawaiian Airlines MasterCard account you open after this Account is opened. If you receive a bonus or Reward for which you are not eligible, we may revoke the bonus or Reward, or reduce your HawaiianMiles by the amount of the bonus or Reward, or charge your Account for the fair value of the bonus or Reward, at our option.

Balance Transfers, Cash Advances, Quasi-Cash Transactions (transactions in highly liquid assets, e.g. assets that are directly convertible to cash such as, but not limited to, money orders, travelers checks, foreign currency and lottery tickets), fees, interest charges, and unauthorized/fraudulent transactions do not earn HawaiianMiles.

There is no limit to the total HawaiianMiles you can earn as long as the Program continues and the Cardmember’s Credit Card Account is open and in good standing.

Barclaycard reserves the right, at its sole discretion, to disqualify any Cardmember from participating in the Program and to invalidate any or all HawaiianMiles earned for abuse, fraud, or any violation of the Program Rules.

Redeeming HawaiianMiles

To redeem HawaiianMiles for flights on Hawaiian Airlines, sign-in to your HawaiianMiles account at HawaiianAirlines.com.

Visit HawaiianAirlines.com for more details about Hawaiian Airlines redemption policies and procedures. Standard HawaiianMiles Term and Conditions apply. See HawaiianAirlines.com for complete terms.  

Important Information about HawaiianMiles

Earned HawaiianMiles do not expire if there is HawaiianMiles account activity (earnings or redemptions).  If there is no activity within 18 consecutive months, Hawaiian Airlines will expire the HawaiianMiles accrued on a member’s account.

You have no property rights or other legal interest in HawaiianMiles. HawaiianMiles have no cash value.

You are solely responsible for any taxes that may be owed as a result of HawaiianMiles earned and/or redeemed. Please consult your tax advisor if you have tax questions about the Program. Barclaycard does not provide tax advice.

If the Cardmember is not credited for earned HawaiianMiles or other benefits, once identified, the earned HawaiianMiles or other benefits will be credited. If HawaiianMiles or other benefits are not available, a comparable benefit will be provided as determined by us.

The Program is subject to all applicable laws and regulations. The redemption of HawaiianMiles is void where prohibited by law. The sale or barter of any Reward offered through the Program is expressly prohibited.

HawaiianMiles Restrictions 

You may not earn HawaiianMiles associated with your credit card during a billing cycle in which any of the following occur:

• You fail to make the Minimum Payment Due by the Payment Due Date.

• Your Credit Card Account becomes delinquent.

• Your Credit Card Account is not in good standing as defined in the Business Card Agreement.

HawaiianMiles Forfeiture 

We require that your Credit Card Account be open and that you maintain your account in good standing to participate in this rewards program. If your Credit Card Account is closed, you will forfeit your HawaiianMiles earned in that billing cycle.  You may forfeit your HawaiianMiles associated with your Credit Card Account if any of the following occur:

• Your Credit Card Account becomes seriously delinquent, as determined by Barclaycard at its sole discretion.

• You or we close your Credit Card Account for any reason.

• There is fraudulent activity on this Credit Card Account. Call the number on the back of your Card if you need more information.

• Violation of the HawaiianMiles Program terms and conditions.

Program Membership

If you included the Primary Cardmember’s HawaiianMiles membership number in the application, we will add that number to your Credit Card Account automatically.

If the membership number that you provided is found to be invalid or you did not provide us with a membership number, a new HawaiianMiles membership account number will be assigned to the Primary Cardmember.

Only one HawaiianMiles Program membership will be established regardless of whether your Account is an individual account or an account with an authorized user.

Companion Travel Discount

You are eligible to receive a single one-time 50% discount toward one published full coach round-trip fare for a companion.

This discount is good on roundtrip coach travel between Hawaii and North America booked directly with Hawaiian Airlines through the Primary Cardmember’s HawaiianMiles account.

The discount will be off of one published full coach roundtrip base fare for a companion, which does not include taxes, fees, or surcharges, with the purchase of one published full coach roundtrip fare.  Additional taxes, fees and charges including Passenger Facility Charge, Federal Excise Taxes, Canadian VAT/GST and customs/immigration charges apply to all tickets purchased and are not included in the base fare. Additional cost of $3.80 USD ZP tax per segment applied to each ticket purchase, a $2.50 USD per enplanement  September 11 Security Fee (not to exceed $10 USD) and PFC surcharge of $3-$4.50 USD where applicable will be applied to each ticket purchase.

Primary Cardmember must be one of the passengers on the flight record. Both passengers (Primary Cardmember and companion) must be booked for travel on the same flight record, fare and class of service, and must travel on all flight segments together.

Offer must be redeemed through the Primary Cardmember’s HawaiianMiles account. 

Tickets must be purchased with your Hawaiian Airlines MasterCard.

Offer is valid for all Hawaiian Airlines flights between Hawaii and North America.  The offer is not valid on Neighbor Island flights.

Offer is not valid on First Class or Extra Comfort fares, or open tickets.

Offer is not valid on codeshare flights with partner airlines.

Offer is not valid on multi-city flights.

Offer may not be combined with, applied to, or applied towards HawaiianMiles flight awards redeemed using HawaiianMiles.

The one-time 50% companion discount offer is good for 13 months from the time the Credit Card Account is opened and is subject to change. 

Companion travel discounts have no cash value and cannot be transferred or sold. 

Visit HawaiianAirlines.com/MasterCardDiscount for more information on how to redeem your travel discount.

Standard HA eCertificate Terms and Conditions apply. See HawaiianAirlines.com for complete terms. 

Annual Spend Bonus HawaiianMiles

You are eligible to earn up to a maximum of 40,000 annual bonus HawaiianMiles based on annual spend. Annual bonus HawaiianMiles are either:

  • 20,000 Bonus HawaiianMiles with $50K-$99K annual spend
  • 40,000 Bonus HawaiianMiles with $100K or more annual spend

A maximum of 40,000 annual bonus HawaiianMiles can be earned per year regardless of the amount of Net Purchases made.

HawaiianMiles will be applied annually at the account cycle date of your anniversary month.

 

HawaiianMiles ShareMiles

As a Hawaiian Airlines MasterCard Primary Cardmember, you can receive HawaiianMiles from friends and family online at HawaiianAirlines.com.

You must have a current email address on file within your HawaiianMiles account to receive HawaiianMiles transferred with the ShareMiles program.

Hawaiian Airlines MasterCard Cardmembers may receive HawaiianMiles transferred from friends and family up to a maximum of ten (10) times per calendar year.

The HawaiianMiles transferer must be a current HawaiianMiles account holder and may perform an unlimited amount of transfer transactions using the ShareMiles program.

There are no transaction fees for HawaiianMiles transfers, no charges per mile, or no minimum or maximum number of HawaiianMiles transferred for cardmembers.

Full terms and conditions for the sharing of HawaiianMiles are available at HawaiianAirlines.com/HawaiianMiles/terms-and-conditions/.

HawaiianMiles Select Partners

You may earn up to 10 extra HawaiianMiles per one dollar spent at select HawaiianMiles partners.

Payments for purchases at select HawaiianMiles partners must be made with your Hawaiian Airlines MasterCard.

If any part of the payment is made with cash, check, or by means other than your Hawaiian Airlines MasterCard, you will earn extra HawaiianMiles only on the amount paid with your Hawaiian Airlines MasterCard.

HawaiianMiles will be credited only to the Primary Cardmember’s HawaiianMiles account.

Please allow 4-6 weeks for HawaiianMiles to post to your HawaiianMiles account.

Participating HawaiianMiles select partners are subject to change at any time.  Visit
 partners.hawaiianair.com for partner listing and restrictions.

Limitation and Release of Liability

Hawaiian Airlines is not a party to the Business Card Agreement between Barclaycard and the Cardmember, does not participate in any extension of credit, has no authority regarding the Credit Card Account and is not responsible for any goods or services offered by Barclaycard. Barclaycard is not responsible for any goods or services offered by Hawaiian Airlines. You authorize Barclaycard to share information about your Account with Hawaiian Airlines and the HawaiianMiles program to the extent needed to administer the HawaiianMiles Program. You also agree that Barclaycard may share Account information as set forth in Barclaycard’s Privacy Policy.

By participating in the HawaiianMiles Program and accepting and using
 HawaiianMiles earned via the Program, you and any other beneficiary of the HawaiianMiles Program release, discharge and hold harmless Barclaycard, Hawaiian Airlines and their respective subsidiaries, affiliates, agents, administrators, employees, officers, directors, successors and assignees from all claims, damages or liability including, but not limited to, physical injury or death arising out of participation in the HawaiianMiles Program.

Important General Program Disclosures
We are not responsible for typographical errors or omissions in this document. HawaiianMiles cannot be combined with other discount or reward programs unless specifically authorized by us.

We reserve the right to correct inaccurate rewards values represented on statements or our website, at our sole discretion.

We may, at our sole discretion, cancel, modify, restrict, or terminate the Program or any aspects or features of the Program at any time without prior notice. All interpretations of Program Rules shall be at our sole discretion.

For the most current information, visit HawaiianAirlines.com/HawaiianMiles/terms-and-conditions/. 

Customer Service

If you have any questions about your rewards program, please contact the customer service phone number on the back of your card.

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